Privacy Notice and Disclosure

GECU is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. We recognize that whether you are an existing member, or are considering membership with us, you have an interest in how we collect, retain, and use information about you and your membership. Under federal law, we are required to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.

Embedded in our culture is a tradition of protecting your confidential information. We've been safeguarding our members' privacy for decades by maintaining standards and procedures designed to prevent misuse of this information. The way we do this is outlined below.

Accuracy of Information

GECU will take reasonable precautions to protect the accuracy and reliability of your member information; however, you are responsible for updating your member record from time to time in order to assure its accuracy. GECU will respond to your requests to update information on your account as quickly as possible.

Internal Procedures

As part of our commitment to protect the confidentiality of your account information, the credit union has established procedures for periodically training staff on the importance of member privacy, and GECU's Privacy Policy. It is a part of GECU's Code of Ethics, which is distributed to new staff members as a part of their orientation.

GECU has also established appropriate security standards to protect against unauthorized access to member information.

Collection of Information From Our Website

GECU collects information about you from a variety of sources for the purpose of serving your financial needs and administering our account relationships.

Our computers use "cookies" to ensure valid navigation access from your computer to our host servers. "Cookies" are small pieces of information that are stored by your browser on your computer's hard drive. Our policy is to use "cookies" only to ensure you have access to your account information.

Personal information contained in e-mail messages may be used by GECU's staff to answer questions, follow up on suggestions or complaints or to improve the quality of our service.

Security of Information

To ensure your privacy and financial security, we require you to enter a password before accessing your accounts through remote access delivery channels, such as Automated Teller Machines (ATMs), SmartLine, and SmartBranch. These passwords are known only to you and to those with whom you have shared the information.

GECU's online SmartBranch service is encrypted using the most up-to-date Secure Sockets Layer (SSL) technology to ensure your privacy and financial security.

When Information May Be Shared

GECU is committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, or others; and
• Information we receive from a consumer reporting agency.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

If you prefer that we not disclose non-public personal information about you to affiliated or nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to affiliated or nonaffiliated third parties, you may call 778-9221 locally or toll-free at 1-800-772-4328.

If you terminate your membership with GECU, we will not share information we have collected about you, except as permitted or required by law.

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

GECU will not intentionally release any account information on accounts owned by minor members.

GECU will not release confidential member information to agents of the state or federal government, except as required by law or under an appropriate legal writ.

Availability of Policy

GECU is proud of its commitment to member confidentiality and will make this policy available to any consumer requesting it.

Complaints

If, after reading this notice, you have questions or complaints relating to this policy, or the credit union's perceived non-compliance with the policy, please contact us at 778-9221 locally or toll-free at 1-800-772-4328. Correspondence should be addressed to:

GECU
Privacy Notice
P.O. Box 20998
El Paso, TX 79998-0998